Cross-border payments
Pay and collect in fiat or stablecoins in supported countries, settled on local rails.
Fiat + crypto, one platform
Manage money anywhere. Fiat or crypto.
Cross-border payments, virtual accounts in EUR · GBP · USD · AED, crypto cards, on/off ramp and secure wallets, built on local rails and regulated partners, for businesses that need speed, control and international coverage.
Finance · Liquidity · Payments · Wallets · Cards
EU services under MiCA via a licensed partner
AML/CFT supervised in Peru (SBS · UIF-Perú)
KYC / KYB and AML monitoring on every account
Fees shown before you confirm
Trusted by the numbers.
Updated daily.
Read from our platform · —
—Fiat volume processed (USD)
—Crypto volume processed (USD)
—Fiat transactions
—Crypto transactions
—Customers
—Business clients
—Services available
—Countries & regions
Fiat and crypto figures are shown separately because an operation that uses both rails appears once on each side. Crypto volume includes on-chain activity of our platform wallets. Amounts are approximate and converted to USD.
What we do
One platform for fiat and crypto.
Replace a stack of banks, ramps and card providers with one account: one KYC, one dashboard, one API. Services may be provided in-house or through licensed third parties, depending on the jurisdiction and product.
Virtual accounts
Personal, business and as a service: open virtual accounts in EUR, GBP, USD and AED for yourself, your company or your customers, with third-party transfers subject to availability.
Crypto cards
Virtual cards funded with USDT/USDC, ready for Apple / Google Wallet and protected by spending controls.
On / off ramp
Convert between local currency and USDT/USDC through local rails in the countries we serve.
Exchange & OTC
Direct execution for large-ticket and non-recurring operations, with the full cost shown before you confirm.
Pay by link
International card payments with no upfront costs, sent by link, email, SMS or API.
Wallet as a service
Secure customer wallets embedded in your product through one API.
Live in three steps.
01
Create your account
Sign up and complete KYC / KYB online. Approval takes immediate to T+3 for individuals and immediate to T+5 for businesses.
02
Fund your balance
Deposit by local bank transfer or crypto into your account or wallet.
03
Pay, spend or convert
Pay suppliers, issue cards, create payment links or convert between fiat and crypto.
Virtual accounts
Virtual accounts for you, your business and your customers.
Open personal or business accounts in EUR, GBP, USD and AED and receive and pay like a local. Or offer them as a service: embed virtual accounts in your product and give your own customers their own account details.
- Personal accounts for individuals, onboarded with KYC
- Business accounts for companies, onboarded with KYB
- Accounts as a service: offer virtual accounts to your own customers through our API
- AED accounts are for non-resident clients. MXN, COP, BRL, PEN and VES accounts are activated and priced by use case, with third-party transfers subject to availability
EUREuroSEPA · SEPA Instant
GBPBritish poundLocal transfers
USDUS dollarACH · Wire
AEDUAE dirhamLocal bank transfer
Crypto cards
Spend your crypto anywhere cards are accepted.
Virtual cards funded with USDT/USDC. Apple / Google Wallet, online payments with 3DS validation, spending limits and top-up. Roadmap: physical cards, crypto collateral and cashback.
5412 7534 8821 0046
Wallet as a service
Institutional wallets for your customers.
Give your users secure wallets in days, not months. Custody is institutional, with insurance coverage of up to US$250 million per security event, subject to the policy terms.
For businesses & platforms
Build your own fintech on our rails.
API, payment links, payouts, white-label cards and wallets, and a back office to run it, so you launch your product, not an infrastructure team.
API & webhooks
Payments, accounts, cards and wallets from one integration, with real-time notifications.
White-label cards & wallets
Launch your own branded card and wallet program on our platform.
Back office
Operations, compliance and reporting tools for your team.
Pay by link
Collect international card payments by link or API and receive the funds in T+3 to T+5, or faster on request.
Built for how you actually use money.
Businesses
Pay suppliers and teams abroad, collect in EUR, GBP, USD and AED, issue payment links and spend with company cards.
Open a business account →Individuals
Hold fiat and crypto in one account, convert between local currency and stablecoins, and spend with a card.
Open a personal account →Platforms & fintechs
Embed accounts, virtual accounts, cards and wallets in your product through our API and white-label stack.
Talk to sales →
Regulation, region by region
Transparent about how we operate and who regulates it.
European Union
Services in the European Union are provided through a partner licensed under MiCA.
Peru
Virtual asset service provider subject to AML/CFT supervision by UIF-Perú and the SBS (SBS Resolution 02648-2024, DS 006-2023-JUS).
Rest of the world
Services may be provided in-house or through licensed third parties, depending on the jurisdiction and product, and are not available in every country.
Available where you do business.
— countries and regions in the current networkCurrent network
Expanding
On demand
Central AmericaAsiaAfrica
Subject to volume, compliance and partner availability.
Service levels
Know when it arrives.
Typical settlement times for every service. Exact times depend on the country, local network, cut-off times and compliance validations, and are confirmed before you operate.
On / off ramp & cross-border
Settlement depends on the country and rail. See the live table below.
OTC
Quoted per operation, with the settlement time confirmed together with the price.
Virtual cards
Issuance: instant. Top-up with USDT/USDC: 2 to 10 minutes.
Virtual accounts
EUR and GBP: 1 minute to T+0. USD: T+1 to T+3.
Wallet as a service
Wallet creation: instant.
Pay by link
Payout to the merchant: T+3 to T+5 by default, T+1 or T+0 on request.
Account approval
KYC for individuals: immediate to T+3. KYB for businesses: immediate to T+5.
Support
Reach our team any time by email or Telegram.
Settlement times by country (live from our platform)
| Country / region | Pay-in | Pay-out | Conversion fiat ⇄ stablecoin |
|---|---|---|---|
| — | |||
Times are indicative and may vary. Countries and routes are updated automatically as new services are enabled.
Security & compliance
Your money is protected. Here’s exactly how.
Licensed where required
Our European activity runs under MiCA through an authorised partner. In Peru we are subject to AML/CFT supervision by UIF-Perú and the SBS.
Institutional custody
Customer wallets use institutional custody, with insurance coverage of up to US$250 million per security event, subject to the policy terms.
Compliance by design
KYC / KYB on every account, AML monitoring and screening, and full operational traceability.
Platform security
Secure API, advanced encryption and real-time notifications with 24/7 monitoring of transactional events.
Questions, answered.
Who can open an account?
Individuals (KYC) and companies (KYB). Individual approval takes immediate to T+3 and corporate approval immediate to T+5, depending on the account. AED accounts are for non-resident clients.
Which countries do you cover?
See the list of countries above, read live from our platform. Other routes are evaluated case by case.
How fast are payments settled?
From instant to T+5 depending on the country, local network, cut-off times and compliance validations. See the service levels above.
What does it cost?
Use the estimator at the top of the page for an indicative fee on the routes enabled today. The exact price depends on country, volume, currency and risk, and you receive it before operating.
Are my assets protected?
We apply KYC/KYB, AML monitoring and full traceability. Customer wallets can be covered by an insurance policy of up to US$250 million per security event, subject to its terms and to the option you choose.
Can I integrate Swappers into my product?
Yes. A secure API connects payments, wallets and operational workflows, with real-time notifications. Talk to our team to scope the integration.
Are services provided by Swappers directly?
Services may be provided through an in-house structure or through licensed third parties, depending on the jurisdiction and product.
Open your account today.
Let’s talk about your operation.
Write to us and we will review the operational feasibility of your case.